📊 Market Crash Monitor

Acceptable Use Policy

Last Updated: November 24, 2025

1. Introduction

This Acceptable Use Policy ("AUP") governs your use of Market Crash Monitor ("Service," "we," "our"). This policy is part of our Terms of Service and describes prohibited uses of the Service.

By using Market Crash Monitor, you agree to comply with this Acceptable Use Policy.

2. Purpose

This AUP is designed to:

  • Protect the Service and its users
  • Ensure fair and legal use of the Service
  • Maintain service quality and availability
  • Comply with applicable laws and regulations
  • Protect intellectual property rights

3. Acceptable Uses

You MAY use Market Crash Monitor to:

  • ✓ Monitor market indicators for personal investment research
  • ✓ Analyze your own investment portfolio (Pro tier)
  • ✓ Receive alerts about market conditions
  • ✓ Access educational content about market risks
  • ✓ Compare current market conditions to historical patterns
  • ✓ Make informed personal investment decisions
  • ✓ Export your own data for personal use
  • ✓ Share general insights with others (with attribution)

4. Prohibited Uses

4.1 Illegal Activities

You may NOT:

  • ✗ Use the Service for any illegal purpose
  • ✗ Violate any local, state, national, or international law
  • ✗ Engage in securities fraud or market manipulation
  • ✗ Violate financial regulations or securities laws
  • ✗ Use the Service to facilitate illegal trading activities
  • ✗ Money laundering or terrorist financing
  • ✗ Tax evasion or fraud

4.2 Providing Investment Advice to Others

You may NOT:

  • ✗ Use the Service to provide investment advice to others without proper licensing
  • ✗ Operate as an unlicensed investment advisor
  • ✗ Hold yourself out as a professional advisor using our Service
  • ✗ Charge others for access to our indicators or data
  • ✗ Make investment recommendations to others based solely on our indicators
  • ✗ Manage others' investments using our tools

Note: If you are a licensed professional, ensure compliance with your regulatory requirements.

4.3 Unauthorized Access

You may NOT:

  • ✗ Access features or data you haven't paid for
  • ✗ Share your account credentials with others
  • ✗ Use another person's account without permission
  • ✗ Attempt to bypass paywalls or subscription checks
  • ✗ Hack, crack, or reverse engineer the Service
  • ✗ Exploit bugs or vulnerabilities for unauthorized access
  • ✗ Use automated tools to access restricted features

4.4 Data Scraping and Harvesting

You may NOT:

  • ✗ Scrape, harvest, or extract data systematically
  • ✗ Use bots, spiders, or automated tools without permission
  • ✗ Copy large portions of our content
  • ✗ Create competing services using our data
  • ✗ Redistribute our indicators or data to others
  • ✗ Build datasets from our content
  • ✗ Reverse engineer our algorithms or indicators

Exception: API access is permitted if explicitly provided and within rate limits.

4.5 Intellectual Property Violations

You may NOT:

  • ✗ Copy, reproduce, or distribute our content without permission
  • ✗ Remove copyright notices or watermarks
  • ✗ Claim ownership of our indicators or algorithms
  • ✗ Create derivative works based on our Service
  • ✗ Use our trademarks or branding without authorization
  • ✗ Infringe on patents or trade secrets
  • ✗ Violate our intellectual property rights

4.6 Reselling and Sublicensing

You may NOT:

  • ✗ Resell access to the Service
  • ✗ Sublicense your account to others
  • ✗ Share subscription benefits with unauthorized users
  • ✗ Create "group accounts" to share costs
  • ✗ Provide commercial access to our data
  • ✗ Include our data in paid newsletters or services
  • ✗ Bundle our Service with your products without permission

4.7 Service Abuse

You may NOT:

  • ✗ Overload our servers with excessive requests
  • ✗ Use the Service in ways that degrade performance
  • ✗ Conduct stress tests or load tests without permission
  • ✗ Create multiple accounts to abuse free trials
  • ✗ Exploit promotional codes or discounts improperly
  • ✗ Use the Service in ways that harm other users

4.8 Security Violations

You may NOT:

  • ✗ Attempt to breach security measures
  • ✗ Probe, scan, or test vulnerabilities without permission
  • ✗ Access data belonging to other users
  • ✗ Intercept or monitor communications
  • ✗ Introduce malware, viruses, or harmful code
  • ✗ Conduct denial-of-service attacks
  • ✗ Attempt SQL injection or similar attacks
  • ✗ Bypass authentication or authorization mechanisms

4.9 Fraudulent Activities

You may NOT:

  • ✗ Provide false information during registration
  • ✗ Use stolen credit cards or payment methods
  • ✗ Commit payment fraud or chargeback fraud
  • ✗ Impersonate others or misrepresent your identity
  • ✗ Create fake accounts or use fake identities
  • ✗ Engage in phishing or social engineering
  • ✗ Submit fraudulent refund requests

4.10 Harmful Content

You may NOT submit or share:

  • ✗ Malicious code or malware
  • ✗ Spam or unsolicited communications
  • ✗ Harassing or threatening content
  • ✗ Defamatory or libelous content
  • ✗ Obscene or pornographic material
  • ✗ Hate speech or discriminatory content
  • ✗ Content promoting violence or illegal activities
  • ✗ Content that violates others' privacy

4.11 Misuse of Communication Features

If we offer forums, comments, or messaging:

You may NOT:

  • ✗ Spam or send unsolicited messages
  • ✗ Harass or bully other users
  • ✗ Share others' private information
  • ✗ Impersonate staff or other users
  • ✗ Solicit for commercial purposes
  • ✗ Spread misinformation deliberately
  • ✗ Use communication features for illegal purposes

4.12 Market Manipulation

You may NOT:

  • ✗ Use the Service to coordinate market manipulation
  • ✗ Organize "pump and dump" schemes
  • ✗ Spread false information to manipulate markets
  • ✗ Engage in insider trading
  • ✗ Coordinate with others to manipulate prices
  • ✗ Use our platform for stock manipulation schemes

4.13 Competitive Intelligence

You may NOT:

  • ✗ Monitor our Service to build competing products
  • ✗ Copy our features, design, or methodology
  • ✗ Recruit our employees or contractors
  • ✗ Reverse engineer our business model
  • ✗ Use our Service to gain competitive advantages for your own financial service

4.14 Academic or Research Misuse

While research is generally encouraged:

You may NOT:

  • ✗ Publish our proprietary algorithms without permission
  • ✗ Claim our methodology as your own work
  • ✗ Use our data in publications without citation
  • ✗ Violate our intellectual property in academic work

If conducting research, please contact us for permission.

5. Account Responsibilities

5.1 Account Security

You MUST:

  • ✓ Keep your password secure and confidential
  • ✓ Use a strong, unique password
  • ✓ Notify us immediately of unauthorized access
  • ✓ Log out after each session on shared devices
  • ✓ Enable two-factor authentication if available

5.2 Account Information

You MUST:

  • ✓ Provide accurate and current information
  • ✓ Update your information when it changes
  • ✓ Use your real name and identity
  • ✓ Maintain only one personal account (unless business use)

5.3 Account Use

You MUST:

  • ✓ Use the account only for your personal use
  • ✓ Comply with your subscription tier limitations
  • ✓ Respect usage limits and rate limits
  • ✓ Use the Service in good faith

6. API Usage (If Applicable)

6.1 Rate Limits

  • Respect all rate limits
  • Do not attempt to bypass rate limiting
  • Contact us if you need higher limits
  • Excessive requests may result in suspension

6.2 API Best Practices

  • Cache data appropriately
  • Use efficient queries
  • Handle errors gracefully
  • Do not poll excessively
  • Follow API documentation

6.3 API Restrictions

  • Do not resell API access
  • Do not use API data for competing services
  • Comply with data usage restrictions
  • Attribute data sources as required

7. Fair Use Guidelines

7.1 Reasonable Use

Use the Service reasonably:

  • Access data at normal human intervals
  • Don't automate browsing without permission
  • Don't create excessive alerts
  • Don't abuse export features

7.2 Resource Consumption

Be mindful of resources:

  • Don't run multiple concurrent sessions
  • Don't refresh pages excessively
  • Don't submit unnecessary requests
  • Don't upload excessively large portfolios (if limits apply)

8. Content and Data Usage

8.1 Attribution

If sharing insights from our Service:

  • Attribute Market Crash Monitor as the source
  • Don't claim indicators as your own creation
  • Provide a link back to our Service when possible
  • Follow any specific attribution requirements

8.2 Personal Use vs. Commercial Use

Personal Use (Allowed):

  • Use for your own investment decisions
  • Share general insights on social media (with attribution)
  • Discuss indicators in online forums

Commercial Use (Prohibited without permission):

  • Including our data in paid newsletters
  • Using our indicators in advisory services
  • Redistributing our data to clients
  • Building products based on our data

9. Reporting Violations

9.1 How to Report

If you see violations of this AUP:

Contact us at:

Include:

  • Description of the violation
  • Evidence (screenshots, links, etc.)
  • Date and time of incident
  • Any other relevant information

9.2 Confidentiality

  • Reports will be kept confidential
  • We may investigate without disclosing reporter identity
  • False reports may result in action against reporter

10. Consequences of Violations

10.1 Enforcement Actions

Violations may result in:

Warning:

  • First-time minor violations
  • Good faith mistakes
  • Accidental breaches

Temporary Suspension:

  • Repeated minor violations
  • Moderate violations
  • Under investigation

Permanent Termination:

  • Serious violations
  • Illegal activities
  • Repeated violations after warnings
  • Security breaches
  • Fraud or abuse

Legal Action:

  • Illegal activities
  • Significant damages
  • Intellectual property theft
  • Fraud
  • Security breaches

10.2 Account Termination

If your account is terminated:

  • Access is immediately revoked
  • No refunds are provided
  • You may be banned from creating new accounts
  • Legal action may be pursued if applicable
  • Data may be deleted or retained as needed

10.3 Right to Investigate

We reserve the right to:

  • Monitor use of the Service
  • Investigate suspected violations
  • Cooperate with law enforcement
  • Disclose information as required by law
  • Take action without prior notice

11. Modifications to This Policy

  • We may update this AUP at any time
  • Changes will be posted with a new "Last Updated" date
  • Material changes will be communicated to users
  • Continued use after changes constitutes acceptance

12. Exceptions and Permissions

12.1 Requesting Permission

For activities not explicitly allowed:

  • Contact us before proceeding
  • Explain your intended use
  • We'll review and respond promptly
  • Get written permission if proceeding

Examples requiring permission:

  • Conducting academic research
  • High-volume data access
  • Commercial use of insights
  • White-label or partnership opportunities

12.2 Licensed Professionals

If you are a licensed financial professional:

  • You may use the Service in your practice
  • You must comply with your regulatory requirements
  • You are responsible for proper disclosure to clients
  • Our indicators are not a substitute for your professional judgment
  • Additional terms may apply - contact us

13. Specific Scenarios

13.1 Financial Advisors

Licensed advisors may:

  • Use the Service for research
  • Consider indicators in client recommendations
  • Pay for their own subscription

Advisors may NOT:

  • Share login credentials with clients or staff
  • Present indicators as their own analysis without attribution
  • Violate fiduciary duties by over-relying on indicators

13.2 Institutional Users

For institutional or corporate use:

  • Contact us for appropriate licensing
  • Standard individual subscriptions don't permit team use
  • Custom enterprise plans may be available

13.3 Educators and Students

For educational use:

  • Individual student subscriptions are fine
  • Educators should not share one account with students
  • Contact us for educational licensing if needed
  • Proper citation required for academic work

13.4 Media and Journalists

Journalists and media may:

  • Subscribe and use for research
  • Reference our indicators with attribution
  • Contact us for quotes or interviews

Please provide proper attribution and context.

14. Disclaimer

This AUP does not create any:

  • Obligation to monitor all user activity
  • Guarantee of Service availability
  • Liability for user actions
  • Obligation to take action against all violations

We reserve the right to:

  • Enforce or not enforce provisions at our discretion
  • Modify enforcement based on circumstances
  • Take action not explicitly listed here

15. Severability

If any provision of this AUP is found unenforceable:

  • The remaining provisions remain in effect
  • The unenforceable provision will be modified minimally to be enforceable
  • This does not affect the validity of the overall policy

16. Questions and Contact

For questions about this Acceptable Use Policy:

17. Summary - Key Don'ts

DO NOT:

  • ❌ Use the Service illegally
  • ❌ Provide investment advice to others without licensing
  • ❌ Share your account credentials
  • ❌ Scrape or harvest data
  • ❌ Resell or redistribute access
  • ❌ Violate intellectual property rights
  • ❌ Abuse or overload the Service
  • ❌ Attempt to hack or breach security
  • ❌ Engage in fraud or misrepresentation
  • ❌ Manipulate markets
  • ❌ Harass other users

DO:

  • ✓ Use for personal investment research
  • ✓ Respect subscription tier limitations
  • ✓ Keep your account secure
  • ✓ Provide accurate information
  • ✓ Contact us with questions
  • ✓ Report violations
  • ✓ Use the Service responsibly and legally

Last Updated: November 24, 2025

Market Crash Monitor - Acceptable Use Policy

Violations of this policy may result in account suspension or termination without refund.

If you have questions about whether a specific use is permitted, please contact us before proceeding.